Welcome to the Flex Elite Consumer Rewards Program!

By opening and maintaining a Flex Elite Credit Card account or any other Flex product(“Flex Account”) in good standing, as defined below, you are automatically enrolled inthe Flex Elite Consumer Rewards Program (“Elite Rewards Program”). The EliteRewards Program is a relationship-based rewards program: your earn rate isdetermined by the Qualifying Balances you hold at Flex across Eligible Accounts.Please review this document carefully as it contains important information about yourparticipation in the Elite Rewards Program.This document (“Rewards Terms”) governs your participation in the Elite RewardsProgram and describes how you may be eligible to accrue, earn, redeem, and forfeitFlex Points (“Flex Points”) which are the rewards you generate through the usage ofyour Flex products. Capitalized terms used in these Rewards Terms have the meaningsas provided herein, or as defined in your other Flex product agreements

Available rewards are subject to change at any time. Some rewards may haveadditional terms and conditions.

You may only participate in the Elite Rewards Program if you agree to the RewardsTerms herein. These Rewards Terms are effective when you activate your Flex Account.There are no fees associated with the Flex Elite Rewards Program.

1. General Elite Rewards Program Information

a. General Eligibility to Participate

As stated above, to be eligible to participate in the Elite Rewards Program andestablish a Rewards Account, you must have at least one eligible product activewith Flex. To participate in the Elite Rewards Program, your eligible product oryour Flex Account must be continuously in good standing, which means that youraccount balances are current and not past due and payments are made timely,that you adhere to the account terms as outlined in your product agreements,and there are no indications of fraudulent activity.

b. Linked Accounts

A Flex account held by a business is linked to your Rewards Account if you meet one ofthe eligibility criteria below with respect to that business and Flex has linked the accountto your Rewards Account. Linking is done by Flex automatically and you do not need torequest it.

You are eligible with respect to a business if you own twenty-five percent (25%) or moreof that business according to the beneficial ownership information on file with Flex. Incases where no individual owns twenty-five percent (25%) or more of the businessaccording to the information on file with Flex, the business's chief executive officer orequivalent senior officer as identified to Flex shall be eligible.

No more than three (3) individuals may have a business's Flex accounts linked to theirRewards Accounts at any time. If more than three individuals are eligible with respect tothe same business, Flex determines which of them may link. Where there are notwenty-five percent (25%) owners, only one individual may link.

Where a business's Flex account is linked to more than one Rewards Account, theaccount's balances count in full toward the Qualifying Balances of each.

If you are eligible with respect to more than one business with Flex accounts, each ofthose accounts may be linked to your Rewards Account, and their balances will becombined.

Flex determines eligibility and linking in its sole discretion and may change or remove alinkage at any time.

If you cease to be eligible with respect to a business, if an account is no longer linked toyour Rewards Account, or if the account is closed, its balances will not count towardyour Qualifying Balances for any billing cycle beginning after the date Flex records thechange. Flex Points you have already earned are not affected.

c. Additional Requirements

Certain Flex products may not be eligible to participate in the Elite RewardsProgram. We may update or change eligibility criteria, restrictions, andrequirements at any time.

2. Notices and Updates To Rewards Program

We may make changes to the Elite Rewards Program and these Rewards Terms at anytime. We may temporarily prohibit you from earning Flex Points, using Flex Pointsyou’ve already earned, or using any features of the Elite Rewards Program. We maysupplement this agreement with additional terms, conditions, disclosures, andagreements that will be considered part of this agreement. This current version as of thedate above supersedes and replaces any earlier versions.

3. How To Earn Flex Points

You earn Flex Points on your Flex Elite card spend. Your earn rate, between 3% and5% on your eligible spend (that’s 3 to 5 Flex Points per dollar), is determined by yourtier, which is set each billing cycle based on the Qualifying Balances you hold. Thegreater your Qualifying Balances are, the higher your tier becomes, which earns youmore Flex Points. Your tier from one billing cycle determines your Flex Points earn ratefor the following billing cycle. There is no cap to the amount of Flex Points you can earn and Flex Points do not expire, but they may be removed or adjusted in accordance withthese Rewards Terms.

a. Earning for Flex Elite Customers:

1. All eligible cardholders are guaranteed a minimum earn rate of 3%on eligible spend, regardless of your Qualifying Balances.
2. Your tier is determined by your Qualifying Balances, per the TierTable below. You can learn about your progress toward the next tierby contacting Flex support via chat, email or phone. We mayupdate this table from time to time; we will provide advance noticeof changes to the extent required by applicable law.